So? What if the driver becomes distracted or gets broadsided by a truck? Everyone in the van might need medical attention, some more severe than others. Compare that to a two-seated pickup truck with more steel surrounding the passengers. How many potential victims will the insurance company have to compensate if the vehicle is involved in an accident or rolls over? Two. See the difference? Unless the driver allowed ten bodies to pile in the back. That’s a bad idea.

The Commercial Insurance Difference

A business owner may use the same seven-passenger van to transport materials or tools. That’s a different category. Commercial policies will be viewed from a different perspective if the driver and an employee occupy the two seats after the rest of the benches have been removed.

Seat Safety

Another topic relates to the number of seats. How friendly is the automobile to securing child safety seats? Do the seatbelts quickly adapt to the ports in the child seat, or can hooks connect to the back?

Gathering Statistics

The automobile insurance claim predictive landscape is changing. As the insurance industry gathers data and correlates it with the severity of claims, auto insurance pricing will adjust accordingly.